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Scotiabank StartRight Program for New Canadians
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Establishing your finances in a new country is a challenge.
To make it easier for you, we are very pleased to offer the Scotiabank StartRight™ Program for New Canadians.
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You will find everything you need in one convenient place — a no-fee bank account ( No Fee is for transactions only – all auxiliary fees apply, and for one year only), a VISA* card with no annual fee (subject to credit approval), the ability to use Western Union Money Transfer™ services at any of our branches, and much more.
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 No-fee Powerchequing® Account. |
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Enjoy free Day-to-Day banking for one year: |
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- Scotia Powerchequing® bank2 account with a ScotiaCard™ bank card.
- No fees for transactions like withdrawals, writing cheques, paying bills and pre-authorized payments, for an unlimited number of transactions.
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| Scotiabank Money Master Savings® Account. |
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Earn competitive interest on your Savings Account: |
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- Grow your savings with Scotiabank’s Money Master® Savings Account.
- Earn a competitive rate of interest without having to lock in for
a fixed term.
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| Cashable 1 year GIC with a 1% Rate Bonus. |
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Protect your investments with Scotia Guaranteed
Investment Certificates (GICs): |
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- One year Cashable GIC with a 1% interest rate bonus 7.
- Guaranteed return on your investment and your principle does not fluctuate.
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| No-fee Moneyback® VISA Card. |
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Build your credit history with a no-fee Scotia VISA* Card: |
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- No-Fee Scotia Moneyback® VISA card3
- Up to a 1% Moneyback® reward every year on your card purchases4.
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| Western Union® Money Transfers |
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Remit money worldwide the fast and easy way: |
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- Transfer funds within Canada or internationally, quickly, safely and easily. Western Union®* Money Transfer services are available at participating Scotiabank branches6.
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| Safety Deposit Box. |
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Secure your valuables with a Safety Deposit Box: |
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- FREE small safety deposit box or 25% off any larger sizes for one year5. (Please check with your nearest branch for availability.)
- Small Safety Deposit box measures 1.5"x5"x24" and is subject to availability.
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| Welcome to Canada Mortgage. |
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Own your first home with a hassle-free mortgage: |
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- Move into your first home with the Scotia Welcome to Canada mortgage8.
- Streamlined approval and documentation process with a minimum down payment requirement.
- Qualified immigrants who have relocated to, and established residency in, Canada within the last 10 years may be eligible for a mortgage under this program.
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| Convenient Banking |
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Bank at your convenience: |
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- Easy access to 24/7 banking via ScotiaCard™ bank card, Scotiabank Cashstop® Automated Banking Machines (ABMs), TeleScotia® Telephone Banking, Scotia OnLine® Financial Services.
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1 To be eligible for the Scotiabank StartRight program, you must have Canadian
landed immigrant status granted within the last 3 years.
2 Offer available for one year when you open a new Scotia Powerchequing
account with Scotiabank. Free banking refers to personal account level service
fees only. This includes all account monthly transaction fees. It does not include
fees not covered by your banking package nor fees charged by other financial
institutions. Fees not covered with the Scotia Powerchequing account, including
access fees to use non-Scotiabank banking machines (e.g., Interac†, VISA,
or PLUS* fees) continue to apply. Cardholder service fees continue to apply for
using the cross border debit service.
† Interac Inc. owner of mark Interac. The Bank of Nova Scotia is an authorized
user of the trademark.
* VISA Int./Lic. user The Bank of Nova Scotia.
3 Subject to meeting Scotiabank’s credit criteria. In addition to be eligible for
a Personal Borrowing product, you must be a Canadian resident and have
reached the age of majority: 18 years for PEI, QC, ON, MB, SK, AB and 19 years
for NL, NB, NS, BC, YK, NT, Nunavut.
4 Purchase returns, payments, cash advances, fees and service charges do not
qualify for a Moneyback reward.
5 Subject to availability and signing the Safety Deposit Box lease.
®* The WESTERN UNION name, logo and related trademarks and service marks,
owned by Western Union Holdings, Inc, are registered and/or used in the U.S.
and many foreign countries and are used with permission.
6 Scotiabank is an authorized Agent facilitating Western Union Money Transfer
services. Western Union Money Transfer fees vary based on amount sent and
destination. Information on Western Union Money Transfer fees can be obtained
at a participating Scotiabank branch. A Scotiabank day-to-day banking account
is required to use this service through participating Scotiabank branches.
7 Bonus of 1% is offered over and above the posted interest rate. Cashable
GIC’s are one year term investments that can be cashed any time after 30 days
without penalty. Minimum investment amount is $1,000.
8 Subject to property meeting Scotiabank and/or CMHC/Genworth Financial
Canada credit and lending criteria for residential properties.
™ Trademarks of The Bank of Nova Scotia.
® Registered trademarks of The Bank of Nova Scotia. |
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Introducing a new referral process that allows you to open a bank account, send money and get a VISA credit card prior to immigrating to Canada.
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